The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,150
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,559
−HK$415/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$851/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,629
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$398/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,838/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,780
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$498/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$477/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,410
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,982
−HK$582/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,481
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,030
−HK$557/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,725
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,174/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,406
−HK$748/mo
Today · 4.125%
HK$25,154
baseline
▲ 0.50% · 4.625%
HK$26,684
+HK$1,530/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,308/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,332
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$717/mo
Today · 4.125%
HK$27,755
baseline
▲ 0.50% · 4.625%
HK$29,218
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,510/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,753 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).